Private Wealth · Vero Beach, Florida

Wealth, held to a quieter standard.

For more than twenty-five years, families have trusted Vale Harbor to bring order to complex financial lives — patiently, privately, and with a plan built to outlast markets.

Explore Our Approach

The Vale Harbor offices — a modern limestone and glass building in coastal Florida light — Our offices at Seabreeze Point, Vero Beach.

The Journey

One relationship, followed through the day.

Every engagement moves the same way the light does — arriving, being understood, and then being kept. Scroll, and the day moves with it.

Detail of the Vale Harbor limestone facade in morning light

Chapter I

Arrival

It begins with a conversation, not a questionnaire. You arrive with the whole of a financial life — accounts, obligations, intentions — and we begin, simply, by listening to how it all fits together.

Morning · First Light

A quiet Vale Harbor meeting room in walnut and linen at midday

Chapter II

Counsel

In the clear light of midday, the plan takes shape: written down, sequenced, and priced honestly. Portfolios serve the plan — never the reverse — and every decision carries its reasoning with it.

Midday · Clear Light

Sailboats at anchor on calm water, seen in the last light of the day

Chapter III

Stewardship

Then the long, quiet work: reviewing on a calendar rather than on headlines, adjusting as families change, and keeping watch so that what you built is still there — and still yours — at dusk.

Dusk · Last Light

1998

Founded

$1.4B

Under Advisement

340

Client Families

Our Approach

Three principles, kept for twenty-five years.

Good advice is rarely loud. Our work rests on a small set of disciplines we have never found a reason to revise.

An advisor's hands reviewing planning documents with a brass pen

Plan before portfolio

Every relationship begins with a written plan — income, taxes, family, and the years ahead — before a single investment is discussed. Portfolios serve plans, never the reverse.

Few families, deeply known

We limit the number of families each advisor serves. It is the only way we know to answer the phone already knowing what matters to the person calling.

Patience as policy

Markets reward those who can wait. Our portfolios are built to be held through noise — diversified, tax-aware, and reviewed on a calendar, not on headlines.

Services

Four practice areas, one coordinated plan.

Each engagement draws on all four disciplines, coordinated by a single advisor who knows your whole picture.

Practice Area I

Wealth Planning

The foundation: a living financial plan that connects today's decisions to the life you intend to fund.

Cash-flow & balance-sheet design
Tax-aware strategy coordination
Education & family funding

Practice Area II

Investment Management

Disciplined, diversified portfolios constructed around your plan — and your temperament — not a model.

Portfolio construction & rebalancing
Concentrated-position strategies
Ongoing monitoring & reporting

Practice Area III

Retirement & Income

Turning accumulated wealth into dependable income, sequenced carefully across accounts and tax years.

Income sequencing & withdrawal order
Social Security timing analysis
Longevity & healthcare planning

Practice Area IV

Estate & Legacy

Wealth transferred the way you intend — coordinated with your attorneys, and revisited as families change.

Estate-plan coordination
Trust & beneficiary review
Charitable giving strategy

Insights

Notes from our advisors.

Short, plain-spoken writing on the questions our families ask most. Select any note to read it in full.

About the Firm

Independent since 1998, by design.

Vale Harbor was founded on a simple observation: families with complex finances don't need more products — they need fewer, better-coordinated decisions. We remain independently owned, deliberately small, and based here on Florida's Treasure Coast.

Our advisors work as fiduciaries, are compensated transparently, and sit on the same side of the table as the families we serve. That structure has not changed in twenty-five years, and it isn't about to.

A quiet Vale Harbor meeting room in walnut and linen, overlooking the water

Eleanor Vance

Managing Partner

Founded the firm in 1998 after a decade advising families in Boston. Eleanor leads the practice and still personally reviews every new client plan.

Marcus Hale

Director of Planning

Marcus oversees financial planning and retirement-income design, translating complex tax and account structures into decisions families can act on.

Claire Donovan

Senior Advisor

Claire works closely with multi-generational families on legacy and charitable strategy, and leads the firm's next-generation education program.

Contact

Begin with a conversation.

Consultations are unhurried and without obligation. Tell us a little about what you're weighing, and an advisor — not a call center — will respond within one business day.

Office: 900 Seabreeze Point, Suite 210
Vero Beach, FL 32963
Phone: (772) 555-0163
Hours: Monday – Friday, 9:00 a.m. – 5:00 p.m.
Evenings by appointment

Request a consultation

Share a few details and we'll prepare for a substantive first meeting — reviewing what you send is the first thing we do, not the last.

An advisor responds within one business day.